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5. Loans, Allowance for Loan Losses and Credit Quality (Details 2) (USD $)
3 Months Ended 9 Months Ended 12 Months Ended
Sep. 30, 2013
Sep. 30, 2012
Sep. 30, 2013
Sep. 30, 2012
Dec. 31, 2012
Allowance for loan losses, Beginning balance $ 4,522,179 $ 3,926,119 $ 4,312,080 $ 3,886,502 $ 3,886,502
Charge-offs (73,844) (111,834) (230,127) (595,958) (695,582)
Recoveries 213,596 50,946 253,728 74,685 121,160
Provisions 137,500 249,999 463,750 750,001 1,000,000
Allowance for loan losses, Ending balance 4,799,431 4,115,230 4,799,431 4,115,230 4,312,080
Allowance for loan losses evaluated for impairment, Individually 411,900 166,000 411,900 166,000 174,000
Allowance for loan losses evaluated for impairment, Collectively 4,387,531 3,949,230 4,387,531 3,949,230 4,138,080
Allowance for loan losses 4,799,431 4,115,230 4,799,431 4,115,230 4,312,080
Loans evaluated for impairment, Individually 4,439,311 4,192,714 4,439,311 4,192,714 4,149,346
Loans evaluated for impairment, Collectively 427,542,476 403,417,991 427,542,476 403,417,991 412,226,102
Total Loans 431,981,787 407,610,705 431,981,787 407,610,705 416,375,448
Commercial and industrial
         
Allowance for loan losses, Beginning balance 515,244 383,523 428,381 342,314 342,314
Charge-offs (42,327) (34,375) (61,614) (159,309) (159,309)
Recoveries 1,126 17,978 2,117 20,498 29,769
Provisions 4,891 51,298 110,050 214,921 215,607
Allowance for loan losses, Ending balance 478,934 418,424 478,934 418,424 428,381
Allowance for loan losses evaluated for impairment, Individually 0 0 0 0 0
Allowance for loan losses evaluated for impairment, Collectively 478,934 418,424 478,934 418,424 428,381
Allowance for loan losses 478,934 418,424 478,934 418,424 428,381
Loans evaluated for impairment, Individually 319,010 446,484 319,010 446,484 435,165
Loans evaluated for impairment, Collectively 55,181,725 47,038,155 55,181,725 47,038,155 48,848,783
Total Loans 55,500,735 47,484,639 55,500,735 47,484,639 49,283,948
Commercial Real Estate
         
Allowance for loan losses, Beginning balance 1,698,040 1,386,183 1,536,440 1,385,939 1,385,939
Charge-offs (16,913) (2,821) (124,849) (57,878) (57,923)
Recoveries 185,791 24,587 185,791 25,450 51,863
Provisions 72,698 36,941 342,234 91,379 156,561
Allowance for loan losses, Ending balance 1,939,616 1,444,890 1,939,616 1,444,890 1,536,440
Allowance for loan losses evaluated for impairment, Individually 115,700 8,900 115,700 8,900 0
Allowance for loan losses evaluated for impairment, Collectively 1,823,916 1,435,990 1,823,916 1,435,990 1,536,440
Allowance for loan losses 1,939,616 1,444,890 1,939,616 1,444,890 1,536,440
Loans evaluated for impairment, Individually 1,716,870 2,187,060 1,716,870 2,187,060 1,762,615
Loans evaluated for impairment, Collectively 145,563,917 133,829,494 145,563,917 133,829,494 138,044,902
Total Loans 147,280,787 136,016,554 147,280,787 136,016,554 139,807,517
Residential Real Estate 1st Lien
         
Allowance for loan losses, Beginning balance 1,527,962 1,473,661 1,563,576 1,578,493 1,578,493
Charge-offs (3,957) (56,126) (7,009) (239,600) (246,237)
Recoveries 3,128 1,426 11,764 3,248 5,538
Provisions (14,415) 85,324 (55,613) 162,144 225,782
Allowance for loan losses, Ending balance 1,512,718 1,504,285 1,512,718 1,504,285 1,563,576
Allowance for loan losses evaluated for impairment, Individually 110,500 110,700 110,500 110,700 134,800
Allowance for loan losses evaluated for impairment, Collectively 1,402,218 1,393,585 1,402,218 1,393,585 1,428,776
Allowance for loan losses 1,512,718 1,504,285 1,512,718 1,504,285 1,563,576
Loans evaluated for impairment, Individually 1,734,139 1,261,272 1,734,139 1,261,272 1,641,960
Loans evaluated for impairment, Collectively 172,773,870 165,796,198 172,773,870 165,796,198 167,970,849
Total Loans 174,508,009 167,057,470 174,508,009 167,057,470 169,612,809
Residential Real Estate Jr Lien
         
Allowance for loan losses, Beginning balance 414,161 368,939 332,556 331,684 331,684
Charge-offs 0 (9,447) 0 (69,734) (135,622)
Recoveries 21,110 60 21,230 1,479 1,538
Provisions 81,589 38,815 163,074 134,938 134,956
Allowance for loan losses, Ending balance 516,860 398,367 516,860 398,367 332,556
Allowance for loan losses evaluated for impairment, Individually 185,700 46,400 185,700 46,400 39,200
Allowance for loan losses evaluated for impairment, Collectively 331,160 351,967 331,160 351,967 293,356
Allowance for loan losses 516,860 398,367 516,860 398,367 332,556
Loans evaluated for impairment, Individually 669,292 297,898 669,292 297,898 309,606
Loans evaluated for impairment, Collectively 44,610,108 45,731,340 44,610,108 45,731,340 46,719,417
Total Loans 45,279,400 46,029,238 45,279,400 46,029,238 47,029,023
Consumer
         
Allowance for loan losses, Beginning balance 116,248 126,914 138,699 124,779 124,779
Charge-offs (10,647) (9,065) (36,655) (69,437) (96,491)
Recoveries 2,441 6,895 32,826 24,010 32,452
Provisions 22,894 5,965 (3,934) 51,357 77,959
Allowance for loan losses, Ending balance 130,936 130,709 130,936 130,709 138,699
Allowance for loan losses evaluated for impairment, Individually 0 0 0 0 0
Allowance for loan losses evaluated for impairment, Collectively 130,936 130,709 130,936 130,709 138,699
Allowance for loan losses 130,936 130,709 130,936 130,709 138,699
Loans evaluated for impairment, Individually 0 0 0 0 0
Loans evaluated for impairment, Collectively 9,412,856 11,022,804 9,412,856 11,022,804 10,642,151
Total Loans 9,412,856 11,022,804 9,412,856 11,022,804 10,642,151
Unallocated
         
Allowance for loan losses, Beginning balance 250,524 186,899 312,428 123,293 123,293
Charge-offs 0 0 0 0 0
Recoveries 0 0 0 0 0
Provisions (30,157) 31,656 (92,061) 95,262 189,135
Allowance for loan losses, Ending balance 220,367 218,555 220,367 218,555 312,428
Allowance for loan losses evaluated for impairment, Individually 0 0 0 0 0
Allowance for loan losses evaluated for impairment, Collectively 220,367 218,555 220,367 218,555 312,428
Allowance for loan losses $ 220,367 $ 218,555 $ 220,367 $ 218,555 $ 312,428